Creative and Compassionate Solutions.

Filing a Chapter 13 petition may provide you with an opportunity to restructure your mortgage and other debts, including an auto loan. In other words, Chapter 13 may allow you to create a sustainable budget while allowing you to retain assets such as your home.

Stop Foreclosure Now!

Comprehensive Solutions

Our office will review your situation and determine your best course of action for saving your home and obtaining the relief that is needed.

Prevent a foreclosure sale from occurring or stop falling behind on mortgage payments;
Legally stop a foreclosure sale if your mortgage company has started the foreclosure process;
Find debt relief from loan deficiency debt if you are no longer able to maintain your mortgage payment or have already lost your home; and
Determine bankruptcy alternatives that may allow you to save your home or avoid liabilities associated with the loss of your home.

Loan Modifications;
Removal of second mortgages and/or home equity loans;
Creating a balanced budget;
Ensuring your mortgage escrow account is accurate and any escrow deficiency is repaid over reasonable period of time;
Modifying mortgages which have reached their maturity or will reach their maturity during the life of a Chapter 13 plan; and
Credit implications of filing a Chapter 13 petition.

With foreclosure, time is of the essence.  Call our office today at 616.389.0629 for a free consultation on how to:

If you intend to keep your home, you must take action before the judicial foreclosure or Sheriff’s Sale takes place.  After the sale occurs, your interest in the home becomes a right of redemption only.  A foreclosure sale can be stopped legally and immediately by filing a Chapter 13 petition, which can be prepared the same day you meet with us.

Facing the potential loss of your home can be devastating. Fortunately, legal protection, relief, and reasonable repayment terms are available for homeowners facing foreclosure.

Preventing Foreclosure by Restructuring Your Mortgage and Other Debts

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This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

The Law Offices of Ryan F. Beach PLLC

During or through the Chapter 13 process we will review your specific circumstances and discuss all of your options, including: